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low cost health insurance
OnlineNavigator insurance enrollment supportNeed help?

We make it easy to get friendly, personal and help with health care reform questions through two fast support options:

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Schedule telephone support with a call back at your convenience.

OnlineNavigator support is an independent service offered by Tony Novak, CPA, MBA MT subject to the adviser's schedule availability. This support is not intended to replace the services offered and available through other channels by your insurance company, insurance agents and health insurance navigators. Specifically, this service does not replace  online pricing and enrollment functions, billing, claims or administrative services and does not assist with Medicare or Medicaid plans.

See the OnlineNavigator web site for details on privacy policy and terms of service. 

Covering the Gaps in Obamacare

Health plans and resources for diabetics - a listing of the health plan options and other resources
Value 24 Hour Accident - up to $10,000 of supplemental health insurance coverage for emergency treatment of injuries at a cost of about $2 per day. Can be used as a stand-alone coverage or added to other insurance.

Most Affordable Supplemental Coverage

Value 24 Hour Accident - up to $10,000 of supplemental health insurance coverage for emergency treatment of injuries at a cost of about $2 per day. Can be used as a stand-alone coverage or added to other insurance.

Primary Individual Major Medical Through a Private Exchange

Members Health Insurance Exchange allows you to price and choose from among many of the nations leading major medical health insurance options from a wide range of carriers. Personal help is available through OnlineNavigator to help with your selection.

Dental and Vision Insurance

Core Dental Insurance - preventive, basic, and major dental expenses with the dentist of your choice. Shortest waiting period.
Secure DentalOne - one lifetime deductible of $100 and then up to $1,250 per year coverage

Dental and Vision Insurance

Dental, Vision and Hearing Insurance - no deductible option, use any dentist, ophthalmologist, optometrist, physician or audiologist, no networks!

Online Life Insurance

International Term Life - up to $2 million coverage issued by Lloyds online specifically for those who spend time outside of the US

Critical Illness Insurance and Cancer Coverage

Consumers Direct Critical Illness Insurance - Secure UpgradeSM $10,000 lump sum supplemental coverage for cancer, stroke or health disease for as little as $25 per month.

Kansas health insurance news

by Tony Novak, CPA, MBA, MT   last updated: February 21, 2016

The two top priorities among individuals and small business who pay for their own health coverage is to find more affordable primary insurance and cover rapidly rising out-of-pocket medical costs that are not paid by primary health insurance.

Prior to implementation of the Affordable Care Act, Kansas was an early innovator of health insurance exchange technology with 20 commercial health insurance companies that issued individual major medical insurance and 22 companies that issued small group insurance as well as state-sponsored high risk pool health plan called the Kansas Health Insurance Association for residents who have been declined for commercial coverage due to pre-existing medical conditions. These standard policies may be more expensive than some residents can afford.

Since the passage of federal health insurance reform law, individuals and small businesses (with less than 50 employees) in Kansas can now purchase health insurance through or through a number of privately operated insurance exchanges. The state government is likely to expand its own insurance exchange system in cooperation with either the federal or private systems within the next few years.

Non-insurance options, like Health Savings Accounts (HSA), Health Reimbursement Arrangements (HRA) and Flexible Spending Accounts (FSA) can be added as effective cost-control tools; ask your adviser for more information. This Web page lists some of the most popular low cost commercial health insurance plans and related benefits. Freedom Benefits offers personal assistance with any insurance exchange or health reform issue through

Your enrollment adviser is available to discuss suitability of any plan for your specific situation.

The state insurance exchange is open for coverage starting in January 2016. Covered health benefits under insurance purchased through the exchange in 2016 will be different than those offered though any earlier health plans. The insurance plan that sets the benchmark for qualified coverage through the exchange is listed here and a list of state-mandated benefits can be found here.

Commercial insurance exchanges may also list less expensive insurance without the essential health benefits. Members Health Insurance Exchange handles pricing and direct online enrollment for many of the state's most popular commercial major medical insurance plans for individuals and families.

low cost health insurance

Kansas insurance and benefit pricing

Kansas had the 19th lowest health insurance costs of all states in 2008 with an average family premium of $11,506 per year. (The average annual premium for a U.S. family covered under an employer-sponsored health plan in 2008 was $12,298 according to The Commonwealth Fund report. The overall quality of health care ranked 23rd out of the 51 states (including DC).
The state ranked #28 in physical wellbeing (having good health and enough energy to get things done daily) according to a 2015 Gallup Healthways survey.
Kansas regulates the benefits required for both individual major medical and group health insurance plans, known as "mandated benefits".

Short Term Medical Insurance

Secure Saver STM - $2 million maximum coverage for 1-12 months at an ultra-low rate
Markel Smart STM - popular and affordable short term major medical insurance with fast online approval

Immigrant Insurance

Inbound Immigrant - up to five years of liberal health insurance coverage after immigration including maternity coverage, emergency and other essential benefits

Accident Supplemental Accident Insurance

Consumers Direct Accident Medical - Protection UpgradeSM supplemental coverage for as little as $20 per month.
Smart Accident Insurance - supplemental coverage for emergency treatment of accidents and injuries for as little as $20 per month. Can be used as a stand-alone accident plan or to increase other insurance benefits.
Value 24 Hour Accident - up to $10,000 of supplemental health insurance coverage for emergency treatment of injuries at a cost of about $2 per day. Can be used as a stand-alone coverage or added to other insurance.

low cost health insurance

Kansas insurance law and regulation

The Kansas Department of Insurance Web site contains help sections for each type of insurance including a section on financially assisted health plans and Medicaid.  The Web site has not yet developed resources to help individuals find commercial low cost health plans like mini-med or core coverage, specific illness policies, Supplemental Accident Insurance and basic health insurance.
The state insurance department can be reached by telephone at (785) 296-3071 or by mail at 420 SW 9th Street, Topeka KS 66612. The state children's health insurance plan (CHIP) Web site is Kansas Health Wave. 30,000 people, mostly children, were able to secure insurance through KanCare. The Kansas Department of Health and Environment projects another 13,000 to be enrolled by July 2015.

Small business plans

Freedom Benefits offers professional help with setup of self-administered Health Reimbursement Arrangements (HRA), Premium Reimbursement Plans, Flexible Spending Accounts, Health Savings Accounts (HSAs) and insurance at a low price than any small business can afford.

Non-insurance Discount Plans

Careington PPO Discount Plans - the nation's leading network PPO discount provider allows a no-risk trial of any discount plan for only a $20 processing fee
Drug Card America - a free prescription drug card that an be used nationwide
Essential Dental Solutions - simple, inexpensive, no waiting period, up to $500 treatment per year
Rx Pay Card - $10, $20, or $30 payments for hundreds of popular prescriptions.


CallMD - Doctors and nurses literally on call 24/7 to answer questions, help with medical screening and write prescriptions saving you money with the most common types of medical care. $20 per month covers everyone in the household.

International Coverage and Travel Insurance

Kansas Insurance News

10/22/2015  Coventry Health and Life Insurance Company and Coventry Health Care of Kansas Inc. will not offer coverage through the state exchange for 2016. Blue Cross and Blue Shield of Kansas, Blue Cross and Blue Shield of Kansas City, Blue Cross and Blue Shield Kansas Solutions, and UnitedHealthCare of the Midwest are the four remaining options.

1/5/2015 A total of 39,000 people used the Kansas health insurance exchange to enroll for 2015 coverage in the first month of open enrollment. This compares to a total of 57,000 who enrolled for 2014. It is too early to say how many will enroll before February 15 when the exchange closes for the year. About 80% of enrollees qualify for a government subsidy to help pay the premium cost.

12/4/2014 Kansas state part time employees are currently eligible to buy into the state health plan at higher rates than full-time workers. Beginning January 1, most will qualify for lower premiums in the state health insurance plan.

11/30/2014 Big changes are ahead for the Kansas Insurance Department as Commissioner Sandy Praeger and four directors including Marlyn Burch, Ted Clark, Steve O’Neil and Neil Woerman plan to leave in January 2015. Ken Selzer is expected to be the new Commissioner. Seltzer is expected to make major shifts in strategy toward implementation of the Affordable Care Act. Meanwhile, yesterday Insurancenewsnet published a detailed look at the current state of health insurance in Kansas.

11/20/2014 The number of health insurance choices has increased to 82 plans for 2015. Rates have remained fairly stable, but many plans have higher deductibles and out-of-pocket expenses than applicants are accustomed to in the past.

2/11/ 2014 Professional support for any health care reform issue is available free of charge through an arrangement with OnlineNavigator. All online inquiries are handled personally by Tony Novak, CPA. Online support is available through a number of popular social media channels including Facebook and Google+ as well as e-mail. Telephone support for insurance enrollment is available through Members Insurance Exchange at (800) 609-0683.

7/26/2013 Affordable Smart Term Life Insurance is now available to most Kansas residents from age 20 through 60 directly online with no physical exam, agent appointment or telephone verification. Most policies are issued on the same day with coverage amounts of $25,000 up to $350,000. The level premium life insurance is available for terms of 10, 15, 20 and 30 years. Sample rates for $150,000 coverage for a preferred risk male age 30, non-tobacco $30.85 per month; tobacco user $49.55 per month. A preferred risk female age 30 non-tobacco user would be $26.49 per month and a tobacco user would be $40.96 per month. Rates are higher for older applicants and lower health risks as described online. Pricing is based on input you provide about your medical history but, unlike most other life insurers, does not consider family medical history. Coverage is issued by innovative National Life Group, rated "A" by A.M. Best Company for 2013.

5/1/2013 The Kansas State University Collegian newspaper brought attention to the high percentage of young adults who do not have health insurance despite a recent change in federal law that allows children to remain on a parents' policy until age 26. The article points out that short term medical insurance can be an affordable temporary solution.

3/11/2013 This page was updated to include a link to the insurance plan that will be used to determine specific "essential health benefits" for insurance that qualified for 2014 federal tax purposes. Also, a link to additional covered benefits required by state law. Non-qualified insurance is likely to continue to be available at a lower cost that does not include these benefits nor qualify for federal tax purposes.

2/1/2012 The Center for Consumer Information and Insurance Oversight, a division of the Center for Medicare and Medicaid Services (CMS) reported that as of June 30, 2011 Blue Cross and Blue Shield of Kansas and UnitedHealthcare are the state's largest health insurance providers and as such, earn the right to set the benchmark for the development of the state's essential benefit plans to debut in 2014 under health reform law.

10/17/2011 State law H 2075 enacted 8/10/2011 requires health insurance policies sold on the insurance exchange to exclude elective abortions in the basic coverage and provides such coverage shall only be through an optional rider.

8/11/2011 Kansas Governor Sam Brownback announced that the state is giving a $31.5 million health insurance exchange “early innovator” grant back to the U.S. Department of Health and Human Services. Kansas does not believe that the federal government will follow through on its promise of funding health care reform through the insurance exchange. About half of the 50 states were previously expected to allow the federal government to run their health insurance exchange while the other half of the states will operate their own. Now other states may be reconsidering their reliance on the federal government to fund the launch of their insurance exchange especially in the wake of the federal deficit debt deal this month.

5/24/2011 Kansas is likely to become the 28th state to join in a lawsuit against the federal government in opposition to the federal health reform laws passed in 2010.

2/17/2011 The Kansas Health Policy Authority was granted more than $31 million by the U.S. Department of Health and Human Services to extend the new Kansas Medicaid/CHIP eligibility system and integrate this program with the Kansas Health Insurance Exchange. The State of Kansas is in preliminary discussions with the State of Missouri to partner on an exchange.

2/12/2011 With dozens of health plans choices available online offering a wide range of pricing and benefits, how do you find the best combination of price and benefits? Celtic Insurance realizes that the choices can be overwhelming; the company offers more than 40 possible health plan designs in many parts of the United States. A new feature called "Help Me Choose" lets users easily and quickly select the benefits they value most and narrows the list down to a few of the best choices. No personal information is required other than zip code and date of birth.

12/16/2010 Kansas Department of Insurance officials met representatives of 44 other states and numerous employees of the federal Health and Human Services Department in Washington DC this week for a two-day working meeting to discuss the next steps in establish a government-run health insurance exchange under the American Health Benefit Exchange Model Act. Their attendance at this meeting was paid for by a $1 million federal grant awarded by HHS in September to the state for research how to set up an insurance exchange. Two states (Alaska and Minnesota) declined to participate, saying that it was a waste of taxpayer money. Four other states (not identified in press reports) that received federal grants did not send representatives to the meeting. Attendees included representatives of 16 states that are suing the federal government in an attempt to overturn the federal health reform law; specifically the requirement that forces individuals to buy health insurance on the insurance exchange or pay a hefty tax fine.

In its initial federal grant request for the insurance exchange project, Kansas said that it would: 1) Assess the health benefits Exchange function, its market potential and identified gaps that could impede viability, 2) Initiate an inclusive statewide planning and communications function to foster input and participation, 3) Appoint an advisory panel and work groups to coordinate efforts and identify options, 4) Design an Exchange model with business rules and a supporting actuarial basis for a viable set of plans and benefits, 5) Begin drafting an Exchange charter, governing structure, by-laws, and set of accountabilities, 6) Address all major financial factors and cost drivers impacting the viability of an Exchange, and 7) Discuss infrastructure elements of the Exchange including information technology. More recently, Insurance Commissioner Sandy Praeger expressed concerns about the exchange proposal, citing that only 121 individuals have enrolled in the state-sponsored high risk health insurance plan out of the estimated half million Kansas residents without health insurance.

The meeting reportedly did not address the role of the commercial health insurance exchanges on the implementation of new competing government systems. The model act does not address inter-state insurance exchange proposals nor insurance sales across state lines. Federal officials admitted that they may not be able to provide further guidance until 2012. Meanwhile, most states are motivated to continue to meet requirements to obtain additional funding promised by the federal government for the establishment of insurance exchange by 2014. Freedom Benefits has previously voiced the opinion that the huge amount of money being spent to set up alternate insurance sales system technologies could be better used providing health benefits to the public. We proposed on the Universal Health Insurance blog that adequate commercial insurance sales systems are already in place that could be modified in a public/private partnership to make health insurance more affordable.

5/14/2010 Diabetes Coverage: A new resource to help find health insurance for diabetics in Kansas is now available at Freedom Benefits.

Mission Statement| Editorial Policy| Privacy Policy| About Freedom Benefits| News| Investors

This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the other commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.